Last Updated: 18 December 2025

A. INTRODUCTION

1. The Crypto Grow Service is a service provided to you by ABLOXX LTD (referred to as “we”, “us” or “Company” or “Abloxx”). The Crypto Grow Service (referred to as “Crypto Grow Service”) provides you with the option to subscribe your Digital Assets for a period of time and receive rewards, paid out in the corresponding Digital Asset you have subscribed. By using these services, you authorize us to use the subscribed Digital Assets at our discretion, in accordance with these Crypto Grow Service Terms and Conditions. (referred to as “Crypto Grow Service Terms”).

2. By using our Crypto Grow Service, you acknowledge and agree that you will be bound by and will comply with these Crypto Grow Service Terms, as updated and amended from time to time. By accessing and/or using the Crypto Grow Service, you agree that you have read and understood these Crypto Grow Service Terms, together with any additional documents or terms referred to in these Crypto Grow Service Terms. If you do not understand and accept these Crypto Grow Service Terms in their entirety, you should not use the Crypto Grow Service.

3. The Crypto Grow Service does not involve the offering, trading, or provision of services in respect of financial instruments under MiFID II and your Crypto Grow Service Assets and Crypto Grow Rewards do not represent shares, bonds, derivatives, structured deposits, or other financial instruments regulated under MiFID II. Furthermore, Abloxx does not provide investment services or perform investment activities such as portfolio management, investment advice, execution of orders on behalf of clients, or dealing on own account.

4. The Crypto Grow Service does not constitute a collective investment undertaking or alternative investment fund within the meaning of AIFMD. Your Crypto Grow Service Assets will not be pooled or jointly managed with a view to investing according to a defined investment policy and Abloxx does not perform any collective portfolio management function, nor does it pay out rewards on the basis of any investment outcomes. Participation in the Crypto Grow Service does not entitle users to any collective rights, units, or shares in an underlying fund or vehicle.

5. In offering the Crypto Grow Service, Abloxx does not act as a crypto-asset service provider under MiCA. The Crypto Grow Service does not involve the custody, exchange, management or transfer of crypto-assets, as your Crypto Grow Service Assets are not safeguarded or invested on the basis of a specific investment strategy tailored for each user, nor are the Crypto Grow Rewards tied to a particular portfolio. By subscribing their Digital Assets, users have the opportunity to receive back Digital Assets of an equivalent value as the Crypto Grow Service Assets, plus the Crypto Grow Rewards, as opposed to the specific Digital Assets which they will form the Crypto Grow Service Assets.

6. The Crypto Grow Service involves risks which you should take into account. You should carefully read and consider the following before deciding to use the Crypto Grow Service:

1. the prices of Digital Assets are highly volatile and may be influenced by factors such as global economic events, regulatory developments, cyberattacks, technological failures, or market manipulation. These changes may adversely affect the value of both Crypto Grow Service Assets and Crypto Grow Rewards.
2. for the period that you use the Crypto Grow Service, your Digital Assets will be locked and inaccessible. In exceptional market circumstances (e.g., mass withdrawals or liquidity crunches), Abloxx may be unable to return your Crypto Grow Service Assets promptly or in full.
3. your Crypto Grow Service Assets may be used by Abloxx or Teroxx Group Entities for operational purposes including, but not limited to, on-chain staking, lending to third parties, or other trading and transfer activities. Such counterparties may default, become insolvent, or act unlawfully, which might in turn affect the ability of Abloxx to meet its obligations under these Crypto Grow Service Terms, including payment of the Crypto Grow Rewards.
4. the Crypto Grow Service relies on complex technologies, smart contracts, blockchain protocols, and custody systems (hot and cold wallets). These may fail due to bugs, software errors, exploits, protocol failures, or cyberattacks, which might in turn affect the ability of Abloxx to meet its obligations under these Crypto Grow Service Terms, including payment of the Crypto Grow Rewards.
5. regulatory action or change in applicable laws may impact the legality, operation, or continuation of the Crypto Grow Service. Authorities may impose restrictions, reporting obligations, or other conditions that could disrupt our offering of such products, your participation or adversely affect your Crypto Grow Service Assets.
6. your Digital Assets will not be held in a segregated or custodian account in your name. In the event of insolvency or enforcement action against Abloxx or a Teroxx Group Entity, you may rank as an unsecured creditor and be unable to recover the value of your Crypto Grow Service Assets and any associated Crypto Grow Rewards.
7. the Crypto Grow Service is not a regulated product under MiFID II, MiCA, or AIFMD. Abloxx is not licensed by any financial regulatory authority to provide investment services, crypto-asset services or collective investment management service. As a result, you do not benefit from the investor protections applicable to regulated financial services, including compensation schemes, conduct of business protections, or regulatory supervision.

7. Although Abloxx takes all reasonable precautions to minimise the applicable risks and to safeguard the return of Crypto Grow Service Assets to users in accordance with these Crypto Grow Service Terms, in extreme and exceptional circumstances, Abloxx may not have sufficient assets readily available to return Crypto Grow Service Assets to users in a timely manner or in full. By accepting these Crypto Grow Service Terms, you hereby unconditionally and irrevocably:

1. confirm that you understand, accept and assume full responsibility for participating in the Crypto Grow Service, together with any and all associated risks, and
2. explicitly consent to, and grant Teroxx Group Entities all necessary rights for, Teroxx Group Entities using your Crypto Grow Service Assets as described in these Crypto Grow Service Terms, and
3. have carefully assessed whether, and determined that, Crypto Grow Service are appropriate for you.

8. In these Crypto Grow Service Terms, the following terms shall have the following meaning:

• “Teroxx Group Entities” means Abloxx and any entity that, directly or
• “Abloxx Token” means the native utility token issued by Abloxx Ltd. More information about the Abloxx Token can be found on the Abloxx White Paper available on our website abloxx.com.
• “AIFMD” means the EU Directive 2011/61/EU, as amended from time to time.
• “Digital Assets” means any form of cryptographic token, digital currency, cryptographic currency, virtual currency, or other digital asset that does not qualify as a regulated product under applicable financial services laws and regulations, including, but not limited to, a financial instrument as defined under Directive 2014/65/EU (MiFID II), as amended or replaced from time to time, and any national laws or regulations transposing or implementing such directive
• “Force Majeure Event” has the meaning given to it in section L.
  “Crypto Grow Auto-Subscribe” has the meaning given in the text of these Crypto Grow Service Terms.
• “Crypto Grow Service Assets” means the Digital Assets that you will transfer to Abloxx as part of the Crypto Grow Service.
• “Crypto Grow Rewards” means the Digital Assets that you will earn, as consideration for providing your Crypto Grow Service Assets.
• “Crypto Grow Rate” means the percentage rate at which you will earn Crypto Grow Rewards.
• “Crypto Grow Distribution Frequency” means the time or frequency at which Crypto Grow Rewards in your wallet will be distributed to the account that you have designated for this purpose.
• “Crypto Grow Service Term” means the pre-determined period for which your Crypto Grow Service Assets will not be accessible, following which you will be entitled to receive your Crypto Grow Rewards.
• “MiFID II” means the EU Directive 2024/65/EU, as amended from time to time.
• “MiCA” means the EU Regulation 2023/1114, as amended from time to time.

B. SCOPE OF SERVICES

9. These terms specifically govern your access to and use of the Crypto Grow Service and any ancillary service made available by Abloxx in accordance with these Crypto Grow Service Terms.

C. DISCLOSURE AND CONSENT

10. By subscribing your Digital Assets for a period of time, you can receive rewards, paid out in the respective Digital Assets you have subscribed (i.e. BTC to BTC). Such rewards are not guaranteed or fixed, and the rates and timing of the rewards may vary.

11. The Crypto Grow Service Assets will not be segregated from the Digital Assets of others. Your Crypto Grow Service Assets may be commingled in hot wallets and cold wallets with Digital Assets belonging to Teroxx Group Entities and clients of Teroxx Group Entities globally. You will not have a right to recover any specific Crypto Grow Service Assets but will be able to receive Digital Assets of a greater value than the Crypto Grow Service Assets.

12. The Crypto Grow Service Assets may, at Abloxx’s sole discretion and without prior notice, be used for operating purposes by Teroxx Group Entities including, but not limited to, loans to other clients of Abloxx and/or other Teroxx Group Entities, in on-chain staking activities, may be traded and/or transferred and may generally be dealt with, in any way that Abloxx considers appropriate.

13. No Teroxx Group Entity makes any representation or warranty that Crypto Grow Service is appropriate:

1. for any user or in any location, or
2. that the transactions and services described in these Crypto Grow Service Terms are (or will continue to be) available or appropriate for any user or in any location. You are strongly encouraged to carefully review these Crypto Grow Service Terms and seek independent professional advice as to whether Crypto Grow Services are appropriate for you having regard to your personal circumstances and objectives, financial position and risk tolerance.

D. HOW TO PARTICIPATE IN CRYPTO GROW REWARDS SERVICE

14. When you provide Digital Assets to Abloxx to use the Crypto Grow Service, you will be prompted to agree to and confirm some or all of the following terms:

1. the type of Digital Assets that you will transfer to Abloxx;
2. the amount of the designated Digital Assets that you will transfer;
3. the Crypto Grow Rate applicable at the time you transfer your Digital Assets to Abloxx;
4. the lock-up period for which the Digital Assets will be locked with Abloxx

15. Abloxx reserves the right, at any time and from time to time in its sole discretion and without prior notice, to:

1. reject or remove any Digital Asset or Crypto Grow Service Assets from the program;
2. specify a minimum or maximum amount of Crypto Grow Service Assets that are required to use the Crypto Grow Service;
3. mandatorily return all or some Crypto Grow Service Assets of any user.

E. CRYPTO GROW REWARDS

16. Crypto Grow Service Assets cannot be redeemed until the end of the relevant Crypto Grow Service Term. Crypto Grow Rewards:

1. start accruing at the Crypto Grow Rate from the day after you transfer your Crypto Grow Service Assets. Crypto Grow Rewards will accrue on a daily basis and will be calculated pro rata based on a 365-day calendar year. No Crypto Grow Rewards will accrue or be paid in respect of the day on which you transfer the Crypto Grow Service Assets;
2. are distributed in the respective subscribed Digital Assets, as may be made available to users from time to time;
3. are calculated on a daily based on the Crypto Grow Service Assets, excluding all Crypto Grow Rewards, meaning, Crypto Grow Rewards shall not be compounding;
4. will be calculated by reference to the Crypto Grow Rate applicable on the day that the Crypto Grow Rewards accrue;
5. will be distributed to the account designated for the purpose, at the pre-determined Crypto Grow Distribution Frequency;
6. are rounded down to a number of decimal places determined by Abloxx in its sole discretion which may vary for different Digital Assets.

17. The Crypto Grow Rate may vary from time to time as determined by Abloxx in its sole discretion. Any variation to the Crypto Grow Rate will apply from the time and date specified by Abloxx, in the absence of which a variation will take effect at 00:00 UTC on the day on which Abloxx announces the variation to the Crypto Grow Rate.

F. PAYMENT OF CRYPTO GROW REWARDS

18. After the end of the Crypto Grow Service Term, Abloxx will return the equivalent of the subscribed Digital Assets (i.e. BTC to BTC) of the same value as the Crypto Grow Service Assets, plus the Crypto Grow Rewards, to your account designated for this purpose, no later than 5 business days after the end of the Crypto Grow Service Term, unless you have elected to participate in Crypto Grow Auto-Subscribe (as defined below). In exceptional cases, such returns may be delayed, including for example in cases of extreme market volatility, network outages and delays, validator or protocol failures, in case of a significant number of simultaneous instructions from other Abloxx users, or other unanticipated events.

19. Abloxx may, in its sole discretion from time to time, permit you to elect to end your participation in the Crypto Grow Service, whether in relation to all or part of your Crypto Grow Service Assets. In such a case, you:

1. acknowledge and agree that you will forfeit all Crypto Grow Rewards that have accrued and been distributed to you in respect of the Crypto Grow Service Assets;
2. hereby authorise Abloxx to deduct, from the Crypto Grow Service Assets that are to be returned pursuant to this paragraph, an amount equal to any and all such Crypto Grow Rewards that have been distributed in respect of the Crypto Grow Service Assets concerned.

G. CRYPTO GROW AUTO-SUBSCRIBE

20. Abloxx may permit you to automatically transfer your Crypto Grow Service Assets and any Crypto Grow Services Rewards (or any part thereof) at the end of the Crypto Grow Service Term back to Abloxx, or permit Abloxx to retain such Crypto Grow Services Assets and Crypto Grow Rewards (or any pat thereof) (“Crypto Grow Auto-Subscribe”), without requiring any further action from you.

21. If you elect to subscribe for the Crypto Grow Auto-Subscribe:

1. your Crypto Grow Service Assets and Crypto Grow Services Rewards (or any part thereof, as the case may be) will be locked for a new Crypto Grow Service Term, commencing on the calendar day immediately following the date of the Crypto Grow Auto-Subscribe, without any further action on your part;
2. your Crypto Grow Service Assets will begin to accrue Crypto Grow from and including the first day of the new Crypto Grow Service Term;
3. the Crypto Grow Service Term may be different from that which applied prior to the Crypto Grow Auto-Subscribe;
4. the Crypto Grow Rate for the new Crypto Grow Service Term may be different from the Crypto Grow Rate that applied in the preceding Crypto Grow Service Term.

22. Abloxx reserves the right to decline to act or to cease acting on your instructions to Crypto Grow Auto-Subscribe, at any time in its sole discretion and without prior notice. Abloxx may refuse to act or cease acting on Crypto Grow Auto-Subscribe instructions at its sole discretion.

H. CHANGES TO CRYPTO GROW SERVICE REWARD RATES

23. The Crypto Grow Rate may fluctuate from time to time, including during a Crypto Grow Service Term. Abloxx does not in any way represent or guarantee that the Crypto Grow Rate applicable at the time you transfer the Crypto Grow Service Assets or anytime thereafter will remain constant, whether during the Crypto Grow Service Term or otherwise. The applicable Crypto Grow Rate may fluctuate up or down from time to time. You hereby acknowledge and agree that any representation, whether express or implied, regarding the possible rewards associated with the Crypto Grow Service:

1. is an estimate based on observations of available on-chain reward rates, general market rates, as well as special rates during promotion periods and is subject to significant risks and uncertainties;
2. is not guaranteed in any way by any Teroxx Group Entity or indicative of future performance or rewards;
3. is calculated based on the Crypto Grow Rate, which may change from time to time in Abloxx’s sole discretion;
4. is not in any way a form of advice, solicitation or offering for Crypto Grow Service and should not be interpreted as such.

24. Changes to the Crypto Grow Rate will be published by Abloxx from time to time on its website. YOU MUST REFER TO THE ABLOXX WEBSITE REGULARLY.

25. NO TEROXX GROUP ENTITY WILL HAVE ANY LIABILITY WHATSOEVER FOR ANY LOSSES ARISING FROM, OR CONNECTED WITH, CHANGES TO THE CRYPTO GROW RATE, WHETHER OR NOT YOU WERE AWARE OF THOSE CHANGES.

I. FORCED SUSPENSION OF SERVICES AND/OR TRANSFERS

26. Abloxx reserves the right, in its sole discretion and without prior notice or liability, to suspend your account and/or transfer, in whole or in part, your Crypto Grow Service Assets and/or Crypto Grow Rewards under any of the following circumstances:

1. where Abloxx has reasonable grounds to suspect that your account is being used for unlawful, fraudulent, or malicious purposes, including but not limited to money laundering, terrorist financing, or market manipulation;
2. where such return or transfer is required for Abloxx or any Teroxx Group Entity to comply with applicable laws, regulations, court orders, or directives issued by any competent governmental or regulatory authority, including enforcement or tax authorities;
3. where, in Abloxx’s opinion, your continued participation in the Crypto Grow Service poses a legal, security, or reputational risk to Abloxx, any Teroxx Group Entity, or other users;
4. where necessary to protect the functionality, integrity, or operation of the Crypto Grow Service, including but not limited to cases of excessive withdrawal requests, system congestion, or force majeure events (as defined below);
5. upon the termination or suspension of your access to the Crypto Grow Service, whether initiated by you or by Abloxx.

27. In the event of such a forced suspension or transfer, Abloxx may, in its discretion, return equivalent Digital Assets to your designated wallet, or retain such assets until the underlying cause is resolved. You acknowledge and agree that:

1. no Crypto Grow Rewards shall accrue while a suspension exists on your account or on forcibly returned or transferred Crypto Grow Service Assets;
2. you shall have no claim against Abloxx or any Teroxx Group Entity for any loss of earnings, opportunity, or value as a result of such forced transfer or suspension; and
3. Abloxx shall not be required to re-admit any assets into the Crypto Grow Service or to apply any previously applicable terms following a forced return or transfer.

J. TERMINATION

28. Right to Terminate. You may terminate your participation in the Crypto Grow Service at any time by providing written notice to Abloxx. Abloxx may terminate your participation in the Crypto Grow Service at any time for any reason, including but not limited to, a breach of these Crypto Grow Service Terms, or if required by applicable law or regulatory directive, by providing you with reasonable notice.

29. Effect of Termination. Upon termination of your participation in the Crypto Grow Rewards Service:

1. You shall not be entitled to any accrued Crypto Grow Rewards and we will contact you to arrange for the closure of your account with us.
2. Subject to the provision of the termination notice as above, Abloxx shall, within a reasonable timeframe, return Digital Assets of equivalent value to your Crypto Grow Service Assets to your designated wallet. For the avoidance of doubt, this obligation to return Digital Assets of equivalent value does not extend to the Abloxx Token (the native utility token).
3. You acknowledge that the return of Digital Assets of equivalent value is subject to the risks outlined in these terms, including potential delays due to market volatility, network issues, or other unforeseen events.
4. Any Digital Assets held by Abloxx that are not Crypto Grow Service Assets (and are not Abloxx Tokens) will be returned to your designated wallet in accordance with the general terms and conditions governing your overall account with Abloxx.

30. The provisions on Limitation of Liability, General, Force Majeure Events, Notices, Governing Law and Jurisdiction shall survive the termination of these Abloxx Rewards Service Terms.

K. LIMITATION OF LIABILITY

31. Disclaimer of Warranties. The Crypto Grow Service is provided on an “as is” and “as available” basis without warranties of any kind, whether express, implied, statutory, or otherwise. Abloxx and its affiliates, subsidiaries, officers, directors, employees, and agents (collectively, the “Teroxx Group Entities”) make no representations or warranties regarding the availability, timeliness, security, accuracy, or uninterrupted operation of the Crypto Grow Service. To the fullest extent permitted by applicable law, Abloxx expressly disclaims any warranties of merchantability, fitness for a particular purpose, non-infringement, and any warranties arising out of course of dealing or usage of trade.

32. Exclusion of Certain Damages. To the maximum extent permitted by applicable law, in no event shall any Teroxx Group Entity be liable for any of the following, whether arising in contract, tort (including negligence), strict liability, or otherwise, and even if advised of the possibility of such damages:
(a) indirect, incidental, special, punitive, exemplary, or consequential damages of any kind;
(b) loss of profits, loss of revenue, loss of goodwill, loss of opportunity, loss of data, or business interruption;
(c) damages arising from fluctuations in Digital Asset prices or changes to the Crypto Grow Service or its governing terms;
(d) damages or losses caused by acts, omissions, or systems of third parties, including but not limited to validators, custodians, smart contracts, network providers, or any other actors beyond Abloxx’s reasonable control.

33. Limitation of Aggregate Liability. Without prejudice to the foregoing limitations, the aggregate liability of all Teroxx Group Entities to you, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, shall not exceed the fiat-equivalent value of your Crypto Grow Service assets (excluding any Crypto Grow Rewards as these may have accrued) that remain under Abloxx’s custody as of the date of the event giving rise to the claim.

L. GENERAL

34. These Crypto Grow Service Terms, together with any documents expressly incorporated by reference herein, constitute the entire agreement and understanding between you and Abloxx relating to the Crypto Grow Service and supersede all prior agreements, arrangements, and understandings, whether written or oral.

35. If any provision of these Crypto Grow Service Terms is held to be unlawful, void, or for any reason unenforceable under any applicable law, that provision shall be deemed severable from these Crypto Grow Service Terms and shall not affect the validity and enforceability of the remaining provisions.

36. Any failure or delay by Abloxx or any Teroxx Group Entity to exercise or enforce any right or provision of these Crypto Grow Service Terms shall not constitute a waiver of such right or provision.

37. You may not assign or transfer your rights or obligations under these Crypto Grow Service Terms without the prior written consent of Abloxx. Abloxx may assign or transfer any of its rights or obligations, in whole or in part, to another Teroxx Group Entity, provided that it has given notice of such assignment or transfer to you.

38. These Terms do not confer any rights on any person or party other than the parties to these Terms and their permitted successors and assigns.

M. FORCE MAJEURE EVENTS

39. Abloxx shall not be liable for any delay, failure, or interruption in the performance of its obligations under these Crypto Grow Service Terms, or for any losses you may suffer, due to a Force Majeure Event.

40. A Force Majeure Event includes any event which it outside the reasonable control of Abloxx and includes, without limitation:

1. acts of God, natural disasters, fire, flood, earthquake, or storm;
2. war, terrorism, riot, or civil unrest;
3. labor disputes, strikes, pandemics, or work stoppages;
4. acts or omissions of any governmental authority or changes in applicable law or regulation;
5. failure or interruption of telecommunications, internet, network, or power supply systems;
6. cyberattacks, security breaches, software bugs, protocol failures, smart contract exploits, or blockchain forks;
7. validator downtime, failure of DeFi protocols or staking mechanisms, or market-wide liquidity crises;

41. During a Force Majeure Event, Abloxx will use reasonable efforts to restore the availability of the Crypto Grow Service and to minimize any disruption. However, you acknowledge and agree that such events may result in the temporary suspension or modification of some or all Crypto Grow Service features, including the suspension of Crypto Grow Rewards accumulation and/or return of Crypto Grow Service Assets and/or distribution of Crypto Grow Rewards.

N. NOTICES

42. All notices or communications required or permitted under these Crypto Grow Service Terms shall be in writing and shall be delivered by hand, pre-paid first-class post or other delivery service or via electronic mail or other electronic form, at the physical address or email address designated by each party for this purpose.

43. Abloxx may in particular deliver notices, provide updates to these Crypto Grow Service Terms, update any legal disclosures and offer other essential information on the Crypto Grow Service by one or more of the following means:

1. Posting the notice on the Abloxx website or user interface;
2. Sending the notice to the email address registered to your Abloxx account;
3. Pushing in-app or dashboard notifications to your Abloxx account.

44. You are solely responsible for ensuring that your contact information associated with the Crypto Grow Service is current and accurate at all times. Neither Abloxx nor any Teroxx Group Entity shall be responsible for any delay or failure in your receipt of a notice if caused by your failure to maintain accurate contact information.

O. GOVERNING LAW AND JURISDICTION

45. These Crypto Grow Service Terms and any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with them or their subject matter or formation shall be governed by and construed in accordance with the laws of the Republic of Cyprus.

46. Each party irrevocably agrees that the courts of the Republic of Cyprus shall have exclusive jurisdiction to settle any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with these Crypto Grow Service Terms or their subject matter or formation.